The Hartford doesn’t offer convenience store insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Convenience Store Insurance?
Convenience store insurance is another name for small business insurance. It’s a package made up of different types of business insurance coverages designed to help protect you from the risks you face as you run your corner store or mini-mart. That means coverage for things like accidents on your property, injuries to customers or employees, damage to your inventory or even claims about the products you sell – everyday risks that come with running a retail business.
Common types of coverage that can be part of a convenience store insurance package can include:
- Business Owner’s Policy (BOP)
- Cyber insurance
- Workers’ compensation insurance
Why Might You Need Convenience Store Insurance?
Without convenience store insurance coverage, you’d have to pay for repairs, settlements and damages out of pocket, which can be costly for a small business. Whether it’s a busted freezer or a customer injury, insurance is designed to help you stay focused on the future of your business.
This coverage can help protect your shop from many potential risks, like:
- Inventory spoilage: There’s an oversight in the stockroom, and a delivery doesn’t make it into the coolers in time.
- Employee injury: A stocker strains their back lifting cases of bottled drinks and needs weeks of physical therapy.
- General liability: Two customers collide in your parking lot and try to blame your business for not having adequate lighting.
Convenience Store Insurance Coverage
When it comes to protecting your convenience store, you’ll want to ensure you have coverage that matches your potential risks. Many convenience store owners have a Business Owner’s Policy (BOP) as the foundation of their insurance plan. It combines three types of coverage to help protect you from everyday risks:
General liability insurance helps protect your convenience store from claims that it caused bodily injury or property damage to others. For example, if a customer trips on a loose mat at your side entrance and gets hurt, this coverage can help with the costs.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, equipment and inventory that you rely on. These can include:
- Shelving and displays
- POS systems
- Refrigerators and coolers
- Stock
- Warmers
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage. This coverage can help pay ongoing operating costs, like payroll.
It’s important to know that a BOP won’t cover every claim you may face while operating your convenience store. You’ll need to get other types of insurance to create well-rounded protection, such as:
Workers’ compensation insurance to give your employees benefits that can help them recover from a work-related injury or illness. This insurance can help pay their medical bills or replace their lost wages if they can’t work.
Commercial auto insurance to help cover bodily injury or property damage claims resulting from an accident your business caused.
How Much Does Convenience Store Insurance Cost?
Your convenience store insurance cost will vary because every business faces unique risks. Insurance companies may consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
Although The Hartford doesn’t offer coverage for convenience store owners, here are the average costs our small business customers pay for common types of insurance. You can use this to help estimate your coverage costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The Hartford understands how important insurance coverage is for small businesses. That’s why we help connect you with Tivly, so you can get the protection you need. To find out your specific convenience store liability insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A customer slipped on a drink spill, and we had to pay for her doctor’s visit.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Cyber Insurance
“Our point-of-sale system was hacked, and our customers’ payment information was stolen.”
Cyber insurance can help your convenience store respond to a data breach or cyberattack. It can help pay the costs to notify impacted individuals.
Workers’ Compensation Insurance
“My stocker hurt her back while receiving a delivery and was out for weeks.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Hired and Non-Owned Auto Insurance
“My store manager was using his car to pick up supplies when he rear-ended another car.”
Hired and non-owned auto insurance helps protect your employees on the road if they’re using their personal vehicle for work.
Commercial Property Insurance
“Our storefront was vandalized, and we had to pay a rush fee to have it repainted.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Equipment Breakdown Coverage
“A cooler went out in our frozen treats section, and we lost thousands in inventory.”
Equipment breakdown insurance covers repairs or replacement if essential equipment like coolers, freezers or heating systems fail due to mechanical or electrical breakdown.
Stock Up on Protection With Convenience Store Insurance
Your customers count on your store being open day and night, rain or shine. Get a quote from Tivly for the coverage you need to continue serving your community.
Last Updated: November 10, 2025
1 What you pay for professional liability will vary by product, limits chosen and risk class or hazard group associated with your business.
2 Verizon, “2025 Data Breach Investigations Report”
3 National Safety Council, “Musculoskeletal Injuries”
4 Insurance Information Institute, "Commercial Property Insurance Shows Signs of Improvement, Stable Growth"
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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